Carver bancorp inc (CARV)
CashFlow / TTM
Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11Dec'10Sep'10Jun'10
CASH FLOWS FROM OPERATING ACTIVITIES
Net income / (loss) before attribution of non-controlling interest

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-553

-703

-1,631

-1,259

-946

836

2,088

1,466

-283

-8,357

-9,915

-18,039

-22,778

-21,002

-27,914

-42,964

-39,470

0

0

0

Net (loss) / income attributable to non-controlling interest, net of taxes

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-281

-427

-423

-186

-110

217

174

33

-945

-1,184

-1,589

-402

629

0

0

0

-

-

-

-

Net loss

-5,165

-5,078

-6,045

-5,936

3,137

3,542

4,965

5,354

-4,213

-4,162

-3,819

-2,853

0

0

0

-

-

-

-

-272

-276

-1,208

-1,073

-836

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

0

0

0

-

0

0

0

-

-

-

-

Adjustments to reconcile net income to net cash provided by operating activities:
Provision for (recovery of) loan losses

24

-316

-274

-270

-273

65

20

135

651

517

353

29

-402

454

1,257

1,495

1,208

-671

-2,027

-2,842

-2,345

-2,246

-2,038

-426

-4,439

-3,785

-2,720

-3,327

4,438

4,949

11,396

16,342

19,086

25,214

26,036

27,114

0

0

0

Stock based compensation expense

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

-

-

-

-

0

0

0

Provision for REO losses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-98

0

0

0

Depreciation and amortization expense

912

872

865

793

874

866

840

897

823

834

855

867

1,213

1,348

1,385

1,415

1,121

1,019

1,175

1,052

1,039

1,059

922

1,079

1,107

1,132

1,119

1,132

1,153

1,197

1,289

1,369

1,448

1,497

1,496

1,534

0

0

0

Amortization of intangibles

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

76

89

127

127

127

0

0

0

Gain on sale of real estate owned, net of market value adjustment

209

324

158

209

195

264

240

237

250

56

67

0

-129

27

17

35

125

19

19

5

67

-122

-205

-257

-800

-651

-568

-808

-288

-380

-504

-216

-398

-306

-194

-202

0

0

0

Loss on securities sales and redemption of equity investment, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

8

53

70

278

552

621

660

452

174

0

0

0

-

-

-

-

764

0

0

0

(Gain) loss on sale of loans, net

77

77

32

29

0

0

0

-

-

-

-

4

4

309

371

499

0

0

0

-

-

-

-

1,319

1,304

2,316

2,704

2,250

1,817

726

292

257

155

135

6

8

0

0

0

Gain on sale of building

154

308

462

616

10,025

9,889

9,752

9,615

69

69

69

69

70

1,255

1,238

1,221

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Market adjustment on held-for-sale loans

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

Amortization and accretion of loan premiums and discounts and deferred charges

-511

-622

-442

-532

-820

-580

-648

-616

-52

-168

-35

-57

-169

-1,888

-293

-136

-962

1,209

153

223

2,056

2,217

2,332

2,280

1,375

996

393

417

327

311

623

229

-430

-462

-312

-130

0

0

0

Amortization and accretion of premiums and discounts — securities

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

Amortization and accretion of premiums and discounts - securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

253

-1,627

-1,597

-547

-605

0

0

0

Assets repurchased from third parties

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

Increase in accrued interest receivable

-49

69

122

-4

340

-194

134

440

-349

-22

-1,243

-837

-1,315

-1,019

404

-76

1,018

337

312

224

39

649

173

310

218

49

194

-52

5

-45

-1,119

-598

-419

-734

-409

-685

0

0

0

Decrease in other assets

-434

-1,154

-1,025

1,995

-4,615

590

497

1,173

4,238

-1,069

-1,823

-1,641

-4,952

2,040

-241

972

1,957

-669

56

-3,477

1,206

-3,067

-11,051

207

456

-472

8,663

-20

-4,159

-969

-2,511

-1,602

-758

-7,675

-1,437

643

0

0

0

Increase (decrease) in other liabilities

-77

-1,904

-1,207

-1,675

-938

527

655

-870

1,012

1,078

-2,021

-147

-3,406

-2,814

636

1,470

5,487

6,104

3,348

2,796

978

-819

1,401

-563

-1,339

-2,794

-814

-268

149

-1,151

-2,840

1,113

1,438

4,687

4,394

613

0

0

0

Net cash provided by (used in) operating activities

-2,826

-4,595

-5,196

-8,765

-1,796

-4,515

-3,162

-4,985

-5,383

-44

-1,125

827

753

-3,329

324

420

4,217

4,743

1,528

3,618

2,333

5,302

19,762

15,546

11,293

18,841

13,318

20,341

26,869

33,026

32,059

31,528

30,536

15,044

8,708

4,307

0

0

0

CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of investments: Available-for-sale

-91

10,500

41,837

58,129

66,010

55,419

24,082

7,790

0

20,155

30,717

30,761

30,909

10,754

-4,926

148

10,666

17,666

27,784

28,200

22,534

15,533

10,534

35,180

52,261

54,718

88,366

75,936

88,574

87,418

64,779

54,344

23,172

33,848

76,968

80,653

0

0

0

Purchases of securities: Held-to-maturity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

7,992

0

0

0

Proceeds from principal payments, maturities and calls of investments: Available-for-sale

12,108

9,322

10,366

9,308

7,980

7,489

4,900

5,049

5,023

5,834

17,377

18,676

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

Proceeds from principal payments, maturities, calls and sales of securities: Available-for-sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

Proceeds from principal payments, maturities and calls of investments: Held-to-maturity

857

828

912

898

1,010

1,159

1,199

1,304

1,459

1,637

1,814

1,801

1,743

1,559

1,544

1,770

1,682

1,552

1,233

886

3,604

3,717

4,645

5,105

3,276

3,420

2,677

2,692

1,906

1,825

3,411

6,492

7,401

7,589

6,186

2,734

0

0

0

Loans purchased from third parties

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Originations of loans held-for-investment, net of repayments

-

0

-27,520

-

-

-83,172

-78,656

-65,062

-56,059

-45,772

-46,416

-54,235

-58,156

-35,257

-3,118

18,998

57,435

58,855

54,628

66,783

59,884

49,481

65,110

68,450

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Repayments and maturities, net of originations of loans held-for-investment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

Loans purchased from third parties

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

54,459

0

0

0

-

-

-

-

-

-

-

-

-

-

-

0

Proceeds from sale of loans held-for-sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

21,614

21,937

31,270

31,421

27,840

26,909

34,389

34,976

32,435

26,102

8,522

5,538

2,413

0

0

0

Originations of loans held-for-investment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

0

0

0

Principal collections on loans

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

59,097

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

Proceeds on sale of loans

2,136

2,136

1,569

1,766

682

2,668

2,691

2,436

3,840

1,854

2,792

7,255

5,900

23,520

22,582

18,119

0

0

0

-

-

-

-

398

242

889

1,490

1,718

2,332

2,580

3,342

2,872

4,693

4,698

2,164

3,335

0

0

0

Decrease in restricted cash

-

-

-

-

-

-

-

-283

-269

-254

-225

58

59

100

-6,143

-6,129

-6,144

-6,200

14

0

-201

-201

-201

-4,311

141

141

141

4,251

0

140

201

6,415

6,415

6,275

6,214

0

0

0

0

(Purchase) redemption of FHLB-NY stock, net

542

902

92

-842

-1,202

-1,202

-1,556

-403

-808

-178

-94

-712

-1,207

-1,612

-217

-636

1,344

984

-338

418

-1,787

-1,652

-1,095

-402

858

1,218

812

1,335

-600

165

256

-1,184

616

-510

-915

-754

0

0

0

Purchase of premises and equipment

1,231

1,221

2,629

2,880

3,318

3,426

1,989

1,602

1,275

865

573

262

343

302

397

574

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchase of premises and equipment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

Proceeds from sales of real estate owned

862

978

878

1,572

1,214

1,524

1,406

871

878

461

439

169

291

3,629

3,469

4,105

3,754

636

636

0

0

0

0

-

-

-

-

195

196

196

433

564

1,533

1,533

1,282

977

0

0

0

Net cash provided by investing activities

37,018

25,402

26,353

29,122

37,931

56,502

82,470

84,149

58,522

12,535

27,336

41,236

63,733

61,791

-24,826

-52,036

-128,620

-136,305

-100,920

-106,575

-56,782

-16,745

-14,506

-5,289

-19,180

-8,149

-8,849

-3,485

11,887

19,945

57,871

62,338

73,873

69,045

57,881

55,637

0

0

0

CASH FLOWS FROM FINANCING ACTIVITIES
Net decrease in deposits

-48,719

-63,256

-82,646

-106,687

-47,703

-33,108

-1,677

7,708

-17,437

-14,113

-21,282

-27,565

-19,455

-2,694

33,364

78,980

76,568

65,883

27,823

18,395

37,063

40,952

33,290

13,651

-17,666

-26,917

-28,601

-36,881

16,453

6,553

22,445

-28,102

-103,714

-99,111

-123,510

-42,551

0

0

0

Net increase (decrease) in FHLB-NY advances and other borrowings

12,187

20,149

2,000

-17,000

-25,000

-26,000

-31,000

-11,000

-20,000

-4,000

-5,000

-19,000

-30,000

-40,000

-9,000

-15,000

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

Capital raise

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

51,432

0

0

0

-

-

-

-

Increase in capital

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Dividends paid

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-712

0

0

0

Net cash used in financing activities

-36,532

-43,107

-80,646

-123,687

-72,703

-59,108

-32,677

-3,292

-37,437

-18,113

-26,282

-46,565

-49,455

-42,694

24,364

63,980

105,568

86,883

23,823

31,395

1,063

7,952

8,290

7,651

4,334

3,073

-7,619

-3,907

-23,581

-30,911

-13,069

-46,246

-50,433

-49,886

-83,566

-54,213

0

0

0

Net increase (decrease) in cash and cash equivalents

-

-

-59,489

-

-

-

46,631

75,872

15,702

-5,622

-71

-4,502

15,031

15,768

-138

12,364

-18,835

-44,679

-75,569

-71,562

-53,386

-3,491

13,546

17,908

-3,553

13,765

-3,150

12,949

15,175

22,060

76,861

47,620

53,976

34,203

-16,977

5,731

0

0

0

Supplemental cash flow information:
Noncash financing and investing activities
Change in unrealized loss on valuation of available-for-sale investments, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

0

-

1,402

713

183

381

0

0

0

Transfer of loans held-for-investment to loans held-for-sale

-

-

-

-

-

-

-

-

-

-

-

3,563

0

0

0

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

-

0

0

0

Transfers to real estate owned

204

204

204

346

65

932

932

790

0

0

0

-

-

-

-

738

779

341

341

2,775

2,092

3,098

3,098

954

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Recognition of right-of-use asset

0

0

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Recognition of finance lease liability

0

0

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Transfers from loans held-for-investment to loans held-for-sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

0

0

0

-

-

-

-

Cash paid for:
Interest

-

-

5,149

-

-

-

4,803

4,584

4,347

4,307

6,843

6,860

7,294

6,850

4,262

4,085

3,446

3,674

3,527

3,474

3,544

3,494

3,469

3,576

3,644

3,916

4,233

4,455

6,083

6,843

7,723

8,454

7,893

8,462

8,941

9,500

0

0

0

Income taxes

99

124

140

123

0

0

0

-

-

-

-

-

-

-

-

217

180

159

171

161

124

218

128

130

0

0

0

-

-

-

-

708

808

912

1,004

1,224

0

0

0